ZIP 15557 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 15557 (Somerset County, Pennsylvania) lands at 19/100 — low on DLRadar's public-record scoring. Leading the profile are structural risk (44/100), construction/permit lag (38/100), institutional ownership (18/100). By contrast, institutional ownership (18/100) and mortgage stress (11/100) register low. Climate and flood risk are elevated too — flood (NFIP) exposure (81/100), climate & FEMA risk (64/100). Structural exposure scores 44 and live distress 3 on the 0–100 scale.

Prices here sit in a peak phase: values rose 4.2% over the trailing year, and 16% higher over three years (phase confidence 28/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Median household income is $59,833, below the U.S. median near $78,000. Owners hold 82% of homes, renters 18%. Around 22% of renters are cost-burdened. Educational attainment sits at 18% bachelor's-or-above. The demographic-stress sub-score lands at 25/100. A median home runs $135,500 here, or 2.1 times local income. The ZIP holds roughly 1,984 housing units. Population is roughly 3,430 with a median age of 46. 10.6% of residents fall below the poverty threshold. The vacancy rate is 31.5% — elevated.

Net-net, 15557 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 15557 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 15557 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 19/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 15557, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 15557 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 19/100 roll-up. In workflow terms, 15557 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.